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Best Life Insurance Companies in Charleston

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Ai Insurance Services logo
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License Verified:

License: 1906585338

South Carolina Department of Insurance

Ai Insurance Services

3506 West Montague Avenue, North Charleston, SC 29418
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  • Life Insurance

Business Description

Ai Insurance Services is a veteran-owned and veteran-operated independent insurance and financial services company that serves the residents of Charleston. It provides life and health, home, auto, and commercial insurance programs. It also offers business liability and recreational insurance policies. Insurance carriers that Ai Insurance Services is affiliated with include Universal Insurance Holdings, Safeco Insurance, and Liberty Mutual. Founding partner and CEO Graylan Wills established Ai Insurance Services in 2008. He also joined Coldwell Banker Commercial Atlantic in 2016.

License Verified:

License: 1906585338

South Carolina Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (24)
Facebook
5.0 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Ashton Lethco logo
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License Verified:

License: 16858729

South Carolina Department of Insurance

Ashton Lethco

107 West 8th North Street, Summerville, SC 29483
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  • Life Insurance

Business Description

Ashton Lethco is an insurance agent helping Charleston residents purchase suitable life protection plans. Representing American National, she informs customers about their life indemnity options including whole, term, universal, indexed universal, and guaranteed universal life. Lethco seeks to learn more about her clients before recommending solutions suitable for them. Her goal is to ensure that clients make informed decisions. She also offers auto, home, and business policies. Coverage for recreational and specialty products are available.

License Verified:

License: 16858729

South Carolina Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.9 / 5 (30)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Beach Insurance logo
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License Verified:

License: 1904371734

South Carolina Department of Insurance

Beach Insurance

3464 Maybank Highway, Johns Island, SC 29455
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  • Life Insurance
  • Long Term Care

Business Description

Established in 1978, Beach Insurance is an independently owned and operated insurance company serving Charleston and nearby communities. While the agency is a flagship carrier of Nationwide insurance products, it also provides clients with policies from multiple insurance companies. Its professional agents help manage many forms of risks, such as offering term and whole life policies, as well as annuities. Beach Insurance gets to extend its services to more clients by way of its offices located in Charlotte, Concord, Johns Island, and Myrtle Beach.

License Verified:

License: 1904371734

South Carolina Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Cliff Heath Insurance, Inc. logo
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License Verified:

License: 1000654084

South Carolina Department of Insurance

Cliff Heath Insurance, Inc.

1531 Sam Rittenberg Boulevard, Charleston, SC 29407
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  • Life Insurance

Business Description

Cliff Heath Insurance, Inc., is an independent insurance agency that has been providing its services to clients in Charleston and the surrounding areas since 1974. It aids clients in choosing the best coverage that would cater to their specific needs. It offers a variety of insurance products such as individual life, auto, home, and business. Its life insurance provides funds to help secure a family's future, and it comes in various types such as term life, universal life, and whole life.

License Verified:

License: 1000654084

South Carolina Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (17)
Facebook
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
David M. Gilston Insurance Agency, Inc. logo
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License Verified:

License: 1901066377

South Carolina Department of Insurance

David M. Gilston Insurance Agency, Inc.

15 Gamecock Avenue, Charleston, SC 29407
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  • Life Insurance

Business Description

David M. Gilston Insurance Agency, Inc., is a full-service brokerage house situated in Charleston that provides insurance services in the area. The agency represents different insurance providers offering health, life, disability, vision, and dental options. Established in 1962, it provides support to insurance brokers and agents who help clients find life insurance that corresponds to their needs. The firm has an internal service department that assists customers with questions, claims, or billing. Most of the agency's staff members have over ten years of industry experience.

License Verified:

License: 1901066377

South Carolina Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Harrell Insurance Agency logo
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License Verified:

License: 1910601444

South Carolina Department of Insurance

Harrell Insurance Agency

2000 Sam Rittenberg Boulevard, Charleston, SC 29407
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  • Life Insurance

Business Description

Harrell Insurance Agency is a local insurance brokerage firm that serves customers in Charleston. The company offers a wide range of personal and commercial insurance policies, including life insurance. Its insurance advisors assist clients in assessing their situation and determining whether term life or permanent life coverage can meet their financial objectives. As an independent insurance company, the agency produces policies with over 100 providers throughout the country. The family-owned business has been serving individuals and small businesses since 1963.

License Verified:

License: 1910601444

South Carolina Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.0 / 5 (30)
Facebook
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
L.H. Griffith & Company, LLC logo
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L.H. Griffith & Company, LLC

108 Central Avenue, Goose Creek, SC 29445
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  • Life Insurance

Business Description

Established in 2010, L.H. Griffith & Company, LLC, provides personal and commercial lines of insurance to clients in Charleston and nearby areas. Its life insurance plans include permanent and term life, as well as fixed annuities. The firm also offers policies for homeowners’, renters’, and vehicles. Business insurance, general liability, and group health coverages are also available. L.H. Griffith & Company is an independent insurance firm that works with various providers. Owner Heath Griffith has been in the insurance industry for more than two decades.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.0 / 5 (27)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Mappus Insurance Agency logo
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License Verified:

License: 1901814272

South Carolina Department of Insurance

Mappus Insurance Agency

1407 Stuart Engals Boulevard, Mount Pleasant, SC 29464
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  • Life Insurance

Business Description

Mappus Insurance Agency, Inc., is a locally owned life insurance firm serving clients from Charleston. The company offers a variety of life insurance options including whole, term, and universal. Its team of agents is well-versed in handling the insurance needs of families, individuals, and local businesses. Insurance plans for flood, homes, and commercial establishments are also available. Founded by Theodore Tobias Mappus, this independent agency has been providing insurance products to the community since 1960.

License Verified:

License: 1901814272

South Carolina Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (494)
Facebook
4.0 / 5 (13)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
MassMutual South Carolina logo
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License Verified:

License: 8970729

South Carolina Department of Insurance

MassMutual South Carolina

40 Calhoun Street, Charleston, SC 29401
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  • Life Insurance

Business Description

MassMutual South Carolina is a general agency of Massachusetts Mutual Life Insurance Company serving the Charleston community. It offers individual and family life insurance to prepare clients in different circumstances, such as wealth accumulation, family and life changes, unexpected hardships, and the future. Term and permanent options are available for this product. The agency also offers executive group life insurance for businesses. Moreover, its team provides brokerage solutions, like personalized support, product portfolio, and estate and business planning.

License Verified:

License: 8970729

South Carolina Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (2)
Pilothouse Insurance logo
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License Verified:

License: 1904534225

South Carolina Department of Insurance

Pilothouse Insurance

1527 Sam Rittenberg Boulevard, Charleston, SC 29407
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  • Life Insurance
  • Health Insurance

Business Description

Established in 2005, Pilothouse Insurance is a Charleston-based independent insurance agency. It provides clients with a wide range of personal and business insurance plans, including life, health, disability, senior care, and child care insurance. Its personnel work to understand the client and their circumstances in order to match them with the insurance carrier and the coverage plan suited to their needs. Pilothouse Insurance uses some of its revenues to make monthly contributions to charitable organizations like Darkness to Light.

License Verified:

License: 1904534225

South Carolina Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (51)
Facebook
5.0 / 5 (18)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Roe & Associates logo
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License Verified:

License: 1968779

South Carolina Department of Insurance

Roe & Associates

7089 Rivers Avenue, North Charleston, SC 29406
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  • Life Insurance
  • Health Insurance

Business Description

Roe & Associates is an independent company that has been serving Charleston and surrounding communities for more than 20 years. It offers term and final expense life insurance to individuals. Its team of professionals assists clients in determining the type of policy they need which depends on their financial goals and circumstances. Services are available in English and Spanish. The company also provides automobile, health, and dental insurance. It partners with various insurance carriers, including Progressive and Liberty Mutual, to provide tailored plans to clients.

License Verified:

License: 1968779

South Carolina Department of Insurance

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Sarah Beem logo
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License Verified:

License: 16915685

South Carolina Department of Insurance

Sarah Beem

1724 State Road, Summerville, SC 29486
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  • Life Insurance
  • Health Insurance

Business Description

Sarah Beem is a State Farm insurance agent serving the Charleston area. She provides universal life insurance, whole life insurance, and term life insurance. Her universal life insurance policies help provide for a family's loss of income, educational needs, and mortgage costs. Its policies also cover special needs, estate, and business planning. Beem's other insurance products handle health, pet, auto, business, and home insurance. Beem began working for State Farm in 2013. She eventually started her own State Farm agency in Summerville.

License Verified:

License: 16915685

South Carolina Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.0 / 5 (50)
Facebook
5.0 / 5 (17)
Back to Providers

Frequently Asked Questions

Which is better, term or whole life insurance?

Life insurance is a personal financial tool, so the right type of insurance for you depends on your goals and current situation. One of the main differences between term life insurance and whole life insurance is that term life insurance only covers you for a set period of time. Once you meet the premium payment requirements on a whole life plan, it covers you for the rest of your life. Whole life insurance also builds cash value, making it a potential investment. But whole life insurance is typically much more expensive than term life insurance.

How much life insurance do I need?

A common recommendation is purchasing life insurance that is equal to five times your current salary, or more. But you can also estimate how much life insurance you need by adding up your debts, annual expenses for dependents multiplied by the years you want to ensure support, and any other items you wish to cover, such as a future wedding or college tuition.

How does life insurance work?

The details of how life insurance works depend on your individual plan, but the basics are as follows: 

  • You pay a premium to purchase the insurance. Typically the premium is paid monthly, but it could be rolled into quarterly, bi-annual, or annual payments. 
  • As long as you are meeting or have met premium obligations, if you pass away, the insurance company makes the agreed-upon payment to the beneficiaries you designated. 
  • Beneficiaries usually have to provide the insurance company with a death certificate to receive their payments.

How much is life insurance?

The cost of life insurance ranges widely. Term life insurance can cost as little as a few dollars a day, and whole life insurance can cost thousands per month on the high end. Factors that impact the cost of your life insurance include whether you're choosing term life insurance or whole life insurance, your age, how much coverage you want, your overall health, and your gender.

Is life insurance taxable?

Life insurance proceeds are the funds paid via your plan to your beneficiaries if you pass away. These are also called death benefits. Typically, these are not considered income for taxes. If you take out cash value from a whole life insurance investment and the amount exceeds how much you paid in premiums, the difference may be considered taxable income.


Can I buy health insurance that is not Obamacare?

When people say "Obamacare insurance," they typically mean insurance within the health insurance marketplace. You can get health insurance outside of the marketplace by going through your employer, choosing COBRA coverage if you leave your job, or buying a short-term health insurance policy through an insurance agent. ACA-compliant plans meet all the benefits and coverage requirements of the Affordable Care Act. But you may be able to find supplemental or short-term coverage that simply provides peace of mind for major medical expenses.

Can I buy health insurance anytime?

To buy health insurance in the marketplace, you must purchase it within open or special enrollment periods. But you can purchase short-term coverage to bridge the gap between now and the next open enrollment period. These plans are meant to be used for less than a year. You can purchase them online or via insurance agents, but they may not be ACA-compliant.

Who should buy supplemental health insurance?

Supplemental health insurance is a product that helps cover the cost of services that your primary health insurance policy doesn't. One popular option is secondary insurance that helps cover some of the costs associated with high deductibles. Medicare supplemental insurance is also popular. Medicare doesn't cover everything, and older adults on a limited income can face large prescription or medical bills after Medicare pays. Supplemental insurance helps reduce those patient costs.

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